The Study On The Protection Of Consumers' Rights And Interests In The Context Of Internet Finance

Entering into the 21 th century,China's market is more opening to embrace a new era's economic development.Internet finance,as a core part of the market economy,is a new product type which combines Internet and finance,showing a very new prospect and with great development potential.We can proudly announce that,now,Internet Finance is embracing a new era of finance reform and innovation.However,the virtuality and technical operation risks which inherently have roots in the internet usually pose a threat to the interest of customers,which really calls for a legal protection for the customers in Internet Finance.Moreover,the inadequate laws in this field and the weakness of government regulation also affect the protection of we customers' interest and restrain the innovation and development of Internet Finance.Therefore,it's an imperative thing to protect we customers' interest.In addition to the epilogue,this article includes 5 parts.The first part.Analysis of related definitions of Internet Finance.Considering the virtuality and the nature of finance,the article analyzes the content,characteristic and meaning of customers' interest protection respectively,which lays a theoretical and practical foundation for making suggestions for the protection of customer's interest in Internet Finance.The second part.Analysis of the theoretical foundation of protection for internet finance customers.This part mainly investigates the development history and connotation of the four theories below: the Protection Theory of Disadvantaged Customers,Information Asymmetry Theory,vicious circle of poverty Theory and Consumer Sovereignty Theory.The third part.Analyzes the present situation and shortcomings of China's Internet financial consumer protection system.This paper reviews the status quo of the development of the Internet financial field and summarizes the shortcomings of the legal system construction,supervision and implementation and dispute resolution in China.The fourth part.Reviewing of the overseas internet finance customer's rights protection.Describe the protection system of Great Britain and America.By summering the development experience of the two countries,we draw a conclusion that we should strengthen the construction of legal supervision and self-regulation of market itself,improve the dispute resolution system and conduct relative education works to our customers.The fifth part.Legal Suggestions for improving the customer's interest protection system in our internet finance.From the perspective of legal system construction,implementation of government policy and improvement of dispute resolution system,we draw some corresponding legal suggestions to promote the development of the customer's interest protection system of china's internet finance.